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CMHC Green Home offers a partial refund on the cost of mortgage loan insurance. Buy, build or renovate for energy efficiency and you may be eligible for a refund of up to 25% of your premium.
CMHC Green Home
Energy-efficient housing made more affordable with Mortgage Loan Insurance.
I’M BUYING OR BUILDING A HOUSE
Homes built under eligible building standards
| Building Standard | Insurance Premium Refund |
|---|---|
| R-2000 (national) | 25% |
| Built Green™ (national) | 15% |
| ENERGY STAR® (national) | 15% |
| GreenHouse™ (Ontario) | 15% |
| GreenHome™ (Yukon) | 15% |
| LEED Canada for Homes (national) | 15% |
| Novoclimat (Quebec) | 15% |
| Power Smart for New Homes (Manitoba) | 15% |
Homes not built under eligible building standards
If your home isn’t built to eligible building standards, have it assessed by a Natural Resources Canada (NRCan) qualified energy advisor.
Your advisor will measure your home’s efficiency using one of two EnerGuide scales: the 0-100 scale or the gigajoules (GJ) per year scale.
| EnerGuide 0-100 Rating | Insurance Premium Refund |
|---|---|
| 82-85 | 15% |
| 86-100 | 25% |
| EnerGuide GJ/Year Rating | Insurance Premium Refund |
|---|---|
| At least 15% lower than “A Typical New Home” | 15% |
| At least 40% lower than “A Typical New Home” | 25% |
I’M BUYING A CONDO
If your building meets the LEED Canada New Construction standard (Certified, Silver, Gold or Platinum), you automatically qualify for a 15% refund.
If your building is designed to be 20% more energy-efficient than compliance with the energy provisions of the applicable building code, you may be eligible for a 15% refund.
If your building is designed to be 40% more energy-efficient than compliance with the energy provisions of the applicable building code, you may be eligible for a 25% refund.
I’M RENOVATING A HOME
If you purchase an existing home and make energy-efficient improvements you may be eligible for a CMHC Green Home premium refund.
Before and after you make the improvements, have your home assessed by a Natural Resources Canada (NRCan) qualified energy advisor.
Your advisor will measure your home’s efficiency using one of two EnerGuide scales: the 0-100 scale or the gigajoules (GJ) per year scale.
| EnerGuide rating 0-100 scale |
EnerGuide rating Gigajoules scale |
|||
|---|---|---|---|---|
| If pre-retrofit rating is < 55 | If pre-retrofit rating is ≥ 55 | If pre-retrofit rating is ≥ 200 | If pre-retrofit rating is < 200 | |
| 15% Insurance Premium Refund | Minimum increase of 10 points, with resulting rating of at least 60 | Minimum increase of 5 points | Minimum decrease of 45 GJ/year, with resulting GJ/year not to exceed 250 | Minimum decrease of 20 GJ/year |
| 25% Insurance Premium Refund | Minimum increase of 20 points, with resulting rating of at least 60 | Minimum increase of 10 points | Minimum decrease of 90 GJ/year, with resulting GJ/year not to exceed 250 | Minimum decrease of 45 GJ/year |
Download the Green Home application form to apply. Your application must be submitted within 24 months of the closing date of your mortgage.
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Date Published: March 31, 2018
